The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,743
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,575
−HK$845/mo
Today · 4.125%
HK$28,420
baseline
▲ 0.50% · 4.625%
HK$30,150
+HK$1,730/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,840/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,752
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,549
−HK$810/mo
Today · 4.125%
HK$31,359
baseline
▲ 0.50% · 4.625%
HK$33,012
+HK$1,653/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,718/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,092
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,090
−HK$1,014/mo
Today · 4.125%
HK$34,104
baseline
▲ 0.50% · 4.625%
HK$36,179
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,208/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,702
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,659
−HK$972/mo
Today · 4.125%
HK$37,631
baseline
▲ 0.50% · 4.625%
HK$39,614
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,262/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,440
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,605
−HK$1,183/mo
Today · 4.125%
HK$39,788
baseline
▲ 0.50% · 4.625%
HK$42,209
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,576/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,652
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,769
−HK$1,133/mo
Today · 4.125%
HK$43,902
baseline
▲ 0.50% · 4.625%
HK$46,217
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,804/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,138
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,635
−HK$1,521/mo
Today · 4.125%
HK$51,156
baseline
▲ 0.50% · 4.625%
HK$54,269
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,312/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,553
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,989
−HK$1,457/mo
Today · 4.125%
HK$56,446
baseline
▲ 0.50% · 4.625%
HK$59,421
+HK$2,975/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,892/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,806 · Scale 2, in force from 26 Feb 2026)